| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R & R INSURANCE SERVICES INC3 Filed as: R & R INSURANCE SERVICES, INC. | 1581 E RACINE AVE WAUKESHA, WI 53186 | HUMANA INSURANCE COMPANY | $41K | $3K | $43K | 3.84% |
| R & R INSURANCE SERVICES INC3 | 1518 E RACINE AVE WAUKESHA, WI 53186 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $305 | $5K | 11.17% |
| R & R INSURANCE SERVICES INC3 | 1518 E RACINE AVE WAUKESHA, WI 53186 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $413 | $4K | 18.45% |
| MARY R ROEMER3 | N16 W26577 WILD OATS DR UNIT E PEWAUKEE, WI 53072 | AFLAC | $93 | — | $93 | 2.92% |
| WILLIAM S GORDON3 | N68 W31092 CLUB CIR W HARTLAND, WI 53029 | AFLAC | $84 | — | $84 | 2.63% |
| STELLARUS BENEFITS INC3 | 330 S EXECUTIVE DR #200 BROOKFIELD, WI 53005 | AFLAC | $52 | — | $52 | 1.63% |
| CHRISTINE LOGSLETT3 | 300 N CORPORATE DR STE 300 BROOKFIELD, WI 53045 | AFLAC | $43 | — | $43 | 1.35% |
| ROBERT DEFLIEZE3 Filed as: ROBERT A DEFLIEZE | 8122 JACKSON PARK BLVD WAUWATOSA, WI 53213 | AFLAC | $25 | — | $25 | 0.78% |
| KENNETH R STARK3 | 1601 LEGEND HILL LN WAUKESHA, WI 53189 | AFLAC | $19 | — | $19 | 0.60% |
| JASON SCZEPANIAK3 | 4001 FELLAND RD STE 106 MADISON, WI 53718 | AFLAC | $12 | — | $12 | 0.38% |
| JAMES W BENCIN3 | 11 SHELDRAKE LN WEST PALM BEACH, FL 33418 | AFLAC | $12 | — | $12 | 0.38% |
| GLEN T SCHWEIKERT3 | 2211 HIGHLAND SPRINGS PL LOUISVILLE, KY 40245 | AFLAC | $7 | — | $7 | 0.22% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 299 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 157 | $1.1M |
| Dental | HUMANA INSURANCE COMPANY | 157 | $1.1M |
| Vision | HUMANA INSURANCE COMPANY | 157 | $1.1M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 259 | $41K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 259 | $41K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 259 | $41K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 259 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.